关于发展我国中小银行机构的思考

我国加入WTO将使我国金融市场的开放程度不断扩大。我国的银行业不仅会面临国际竞争的压力，而且更严峻的挑战来自国内经济持续增长的要求。目前我国的银行业产权模糊，缺乏完善的的法人治理结构，因此经营效率低下，阻碍了我国经济的发展。要解决我国银行业存在的问题，一个行之有效的方法就是应降低市场准入标准，允许利用各种形式的资本大力发展中小型银行，活跃我国的金融市场，促进经济的发展。

Reflection on Developing the Medium and Small Banks in Our Country

After joining WTO, the open degree of our financial market is becoming deeper. Our bank industry must endure great pressure not only from international competition but also from the lasting economic development of our country. Now due to the vague property right and imperfect administration system of legal person, the management efficiency of our bank industry is quite low, so it impedes the economic development of our country. The effective methods to solve the problems of China's bank industry is to lower the criterion to enter the markets and permit developing medium-small banks by using various types of capital so as to animate the financial markets and develop economy in China.